Top 10 Charging Solutions Providers in the UK 2026 | EV Infrastructure Guide
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Top 10 Charging Solutions Providers in the UK
| Rank | Lender | Best for | Published loan range | Loan rate |
|---|---|---|---|---|
| 1 | Liberty Leasing | Medium to large EV charging infrastructure projects | £10,000 to £2,000,000 | interest 11% to 16% |
| 2 | Lombard | Large fleet depot and commercial charging installations | Up to £5,000,000 | interest 4% to 11.5% |
| 3 | PlayterBoost | Established SMEs funding mid-range charging projects | £30,000 to £50,000 | interest 2.5% to 4% |
| 4 | Reward Funding | High-value commercial EV charging site investment | £100,000 to £5,000,000 | interest 0.99% to 3% |
| 5 | Time Finance | Fleet operators scaling multi-site charging points | Up to £5,000,000 | interest 5.5% to 13.5% |
| 6 | Admiral leasing | Entry-level EV charger leasing from £1,000 | From £1,000 | interest 5.5% to 13.5% |
| 7 | Lloyds Bank | Workplace charging schemes for bank customers | £1,000 to £50,000 | interest 10.65% to 11.2% |
| 8 | Barclays | Broad-scale EV infrastructure from small to large | £1,000 to £25,000,000 | interest 8.5% to 14.9% |
| 9 | Acorn Business Finance | Mid-market commercial charging and fleet projects | £15,000 to £5,000,000 | interest 8% to 15% |
| 10 | Aldermore Asset finance | Flexible EV charging finance from startup stage | £1,000 to £10,000,000 | interest 5% to 15% |
More UK businesses are installing electric vehicle charging points at their premises, whether for staff, customers, or fleet vehicles. Finding the right charging solutions provider means comparing not just the hardware but also how you fund the installation. This list of the top 10 charging solutions providers in the UK helps commercial property owners, fleet operators, and SMEs evaluate asset finance options for EV charging infrastructure.
Asset finance lets you spread the cost of charging equipment and installation over time rather than paying upfront. You can fund wall-mounted chargers, rapid charging stations, and associated electrical works through hire purchase, leasing, or refinance arrangements. The right lender can make a significant difference to your overall project cost, repayment terms, and how quickly your charging points become operational.
Important: The providers listed below specialise in asset finance for charging infrastructure. Some are listed partners of Funding Agent, while others are included for comparison. Finance terms depend on your business profile, credit history, and the equipment being funded.
Funding Agent
Published loan rangeFrom £10,000 to up to £1,000,000
Rate typeInterest or factor rate
Why it is included:It is included because many business owners need to compare several finance routes before choosing where to apply.
Funding Agent can help businesses compare suitable options across a lender panel, especially when eligibility depends on turnover, sector, trading history, credit strength and available documents.
Best use case: When the borrower wants to avoid applying to one lender at a time.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Why it stands out
- Useful when a business wants to compare lender fit rather than guess which lender to apply to first.
- Can help position the application around the funding purpose, trading profile and available documents.
- Works well as a conversion route for readers who are unsure whether a direct lender will approve a larger unsecured facility.
Need to know
- Funding Agent is a broker, not a lender.
- The lender, not Funding Agent, sets the final rate, term, fees and approval decision.
- The best match may be unsecured, secured, revolving credit, invoice finance or another product depending on the case.
Expert take
Funding Agent is a useful honourable mention for business owners who want to compare lender options before submitting a full application. A larger unsecured loan is not always approved by the first lender a business finds, so understanding lender fit early can reduce wasted time and avoid unnecessary declines.
Liberty Leasing
Published loan range£10,000 to £2,000,000
Rate typeinterest 11% to 16%
Overview: Liberty Leasing provides asset finance from £10,000 to £2,000,000, making it well suited for businesses installing mid-size EV charging infrastructure at commercial premises or fleet depots.
With a 24-hour funding speed, Liberty Leasing can help businesses move quickly on charging point installations. Rates typically range from 11% to 16%, depending on asset value and business profile.
Best next step: Generate offers for charging infrastructure
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funds EV charging hardware purchases
- Preserves working capital for installation costs
- Fast 24-hour decision turnaround
Need to know
- Rates from 11% to 16%
- Finance from £10,000 to £2,000,000
- Asset eligibility checks apply
Expert take
Liberty Leasing offers a practical funding route for businesses adding EV charging points. The mid-range facility size suits commercial property owners and fleet operators who need to finance several chargers without overextending.
Lombard
Published loan rangeUp to £5,000,000
Rate typeinterest 4% to 11.5%
Overview: Lombard offers asset finance up to £5,000,000, making it a strong candidate for large-scale EV charging infrastructure projects across multiple sites or substantial fleet depots.
Backed by NatWest Group, Lombard provides competitive rates from 4% to 11.5%. Its 24-hour initial response helps businesses progress charging installations without unnecessary delays.
Best next step: Generate offers for charging infrastructure
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Up to £5m for major charging projects
- Competitive rates from 4%
- Backed by a major banking group
Need to know
- Rates from 4% to 11.5%
- Finance up to £5,000,000
- Asset and credit assessment required
Expert take
Lombard is a reliable choice for businesses planning significant EV charging rollouts. Its high funding cap and competitive rates make it particularly attractive for fleet operators and commercial landlords needing multi-charger installations.
Source:https://www.lombard.co.uk/
PlayterBoost
Published loan range£30,000 to £50,000
Rate typeinterest 2.5% to 4%
Overview: PlayterBoost offers asset finance from £30,000 to £50,000, suited to SMEs that generate card revenue and want to fund EV charging points with repayments linked to business performance.
With rates from 2.5% to 4% and a 24-hour funding speed, PlayterBoost provides a cost-effective route for customer-facing businesses adding charging facilities at retail or hospitality locations.
Best next step: Generate offers for charging infrastructure
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Low rates from 2.5% to 4%
- Suited to card-taking businesses
- Fast 24-hour funding speed
Need to know
- Finance from £30,000 to £50,000
- Strong trading history required
- Personal guarantee may apply
Expert take
PlayterBoost works well for hospitality, retail and leisure businesses adding EV chargers for customers. The revenue-linked model aligns repayments with trading performance, though the facility cap limits it to smaller installations.
Source:https://www.playter.co/
Reward Funding
Published loan range£100,000 to £5,000,000
Rate typeinterest 0.99% to 3%
Overview: Reward Funding provides asset finance from £100,000 to £5,000,000 with rates starting at just 0.99%, offering some of the most competitive pricing available for EV charging infrastructure projects.
With a 24-hour funding speed, Reward Funding suits established businesses and commercial property owners who need substantial charging installations and want to minimise borrowing costs.
Best next step: Generate offers for charging infrastructure
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Ultra-low rates from 0.99%
- Up to £5m for major installations
- Fast 24-hour response time
Need to know
- Minimum facility of £100,000
- Security and valuations required
- Suited to established businesses
Expert take
Reward Funding stands out for its exceptionally low rates, making it ideal for businesses that qualify and need substantial EV charging infrastructure. The £100,000 minimum means it targets larger installations rather than single-charger projects.
Source:https://rewardfunding.co.uk/
Time Finance
Published loan rangeUp to £5,000,000
Rate typeinterest 5.5% to 13.5%
Overview: Time Finance provides asset finance up to £5,000,000 with rates from 5.5% to 13.5%, offering flexible funding for businesses installing EV charging equipment across single or multiple sites.
With a 24-hour funding speed, Time Finance suits fleet operators, commercial landlords and SMEs that need a straightforward finance facility for charging hardware without excessive paperwork.
Best next step: Generate offers for charging infrastructure
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Up to £5m available
- Flexible funding structure
- 24-hour initial decision
Need to know
- Rates from 5.5% to 13.5%
- Finance up to £5,000,000
- Asset eligibility applies
Expert take
Time Finance offers a balanced option for businesses at various stages of EV charging adoption. The broad funding range accommodates both modest installations and larger rollouts, with rates that remain competitive.
Source:https://www.timefinance.com/
Admiral leasing
Published loan rangeFrom £1,000
Rate typeinterest 5.5% to 13.5%
Overview: Admiral leasing provides equipment leasing from as little as £1,000, making it accessible for small businesses and SMEs looking to install one or two EV charging points at their premises.
With rates from 5.5% to 13.5% and a 4-hour funding speed, Admiral leasing can help businesses act quickly on charging point installation without committing large upfront capital.
Best next step: Generate offers for charging infrastructure
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Low entry point from £1,000
- Rapid 4-hour funding speed
- Leasing preserves working capital
Need to know
- Rates from 5.5% to 13.5%
- Finance from £1,000
- Leasing terms vary by asset
Expert take
Admiral leasing is a practical choice for smaller businesses taking their first step into EV charging. The low minimum facility and fast turnaround make it easy to fund a single charger or small installation.
Lloyds Bank
Published loan range£1,000 to £50,000
Rate typeinterest 10.65% to 11.2%
Overview: Lloyds Bank offers asset finance from £1,000 to £50,000 with rates from 10.65% to 11.2%, providing a familiar high-street option for SMEs adding EV charging points to their premises.
With a 48-hour funding speed, Lloyds suits businesses that value established banking relationships and want a straightforward asset finance product for modest charging infrastructure investments.
Best next step: Generate offers for charging infrastructure
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Trusted high-street lender
- Finance from £1,000 to £50,000
- Fixed-rate clarity
Need to know
- Rates from 10.65% to 11.2%
- 48-hour funding timeframe
- Bank underwriting applies
Expert take
Lloyds Bank is a safe choice for SMEs that prefer dealing with a familiar high-street name. The facility range suits smaller EV charging projects, though bank underwriting may be more thorough than alternative lenders.
Barclays
Published loan range£1,000 to £25,000,000
Rate typeinterest 8.5% to 14.9%
Overview: Barclays provides asset finance from £1,000 to £25,000,000, covering everything from a single EV charging point to major infrastructure rollouts across nationwide commercial property portfolios.
With a 24-hour funding speed and rates from 8.5% to 14.9%, Barclays offers the widest funding range of any provider listed, suiting businesses at every stage of EV charging investment.
Best next step: Generate offers for charging infrastructure
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Massive range up to £25m
- 24-hour initial decision
- Suitable for any project size
Need to know
- Rates from 8.5% to 14.9%
- Finance from £1,000 to £25m
- Security may be required
Expert take
Barclays is hard to beat for flexibility on project size. Whether you need a single charger or a nationwide EV infrastructure programme, the funding range accommodates both ends of the spectrum.
Acorn Business Finance
Published loan range£15,000 to £5,000,000
Rate typeinterest 8% to 15%
Overview: Acorn Business Finance offers asset finance from £15,000 to £5,000,000 with rates from 8% to 15%, providing tailored funding solutions for businesses installing EV charging infrastructure across varied sites.
With a 24-hour funding speed, Acorn works as a specialist broker, matching businesses with the right finance product for their charging installation needs, from small depots to multi-site rollouts.
Best next step: Generate offers for charging infrastructure
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Tailored to charging installations
- Range from £15k to £5m
- 24-hour funding speed
Need to know
- Rates from 8% to 15%
- Finance from £15,000 to £5m
- Broker-led matching process
Expert take
Acorn Business Finance is well suited to businesses that want a more personalised approach to funding EV chargers. Its broker model can help navigate the options for varied charging infrastructure requirements.
Aldermore Asset finance
Published loan range£1,000 to £10,000,000
Rate typeinterest 5% to 15%
Overview: Aldermore Asset finance provides funding from £1,000 to £10,000,000 with rates from 5% to 15%, offering a versatile solution for businesses at any stage of EV charging point adoption.
With a 48-hour funding speed, Aldermore suits SMEs and mid-market businesses that need dependable asset finance for charging infrastructure without the constraints of high-street bank lending.
Best next step: Generate offers for charging infrastructure
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Broad range from £1k to £10m
- Competitive rates from 5%
- Non-bank flexibility
Need to know
- Rates from 5% to 15%
- 48-hour funding timeframe
- Asset and credit checks apply
Expert take
Aldermore offers a versatile funding envelope that works for both single-charger installations and larger infrastructure projects. Its non-bank approach can offer more flexibility than traditional lenders.
Source:https://www.aldermore.co.uk/business/business-finance/asset-finance/
Asset Finance Calculator
How asset finance supports EV charging infrastructure investment
Installing EV charging points at your premises requires significant upfront capital. Asset finance lets you spread this cost over time rather than paying the full amount in one go.
The two most common structures for charging equipment are hire purchase and leasing. With hire purchase, you make fixed monthly payments and own the hardware at the end of the agreement. Leasing gives you use of the equipment for a set period, typically with lower monthly outlay and the option to upgrade when the term ends.
Because the chargers themselves serve as security, asset finance can be more accessible than unsecured lending. Lenders will assess your business trading history, turnover, and the value of the equipment being funded.
This approach helps preserve working capital for other business needs while you start benefiting from the charging infrastructure immediately.
Leasing versus buying EV charging hardware for your business
Choosing between leasing and outright purchase affects your cash flow, tax position, and long-term flexibility. Each route has distinct advantages depending on your circumstances.
Buying equipment outright means you own it from day one. You can claim capital allowances and you bear full responsibility for maintenance and eventual replacement. This suits businesses with available cash and a clear long-term plan for their charging infrastructure.
Leasing shifts the burden of obsolescence to the finance provider. EV charging technology evolves quickly, and leasing lets you refresh hardware at the end of each agreement. Lease payments can often be treated as an operating expense for tax purposes.
Your choice should reflect how long you expect to use the equipment and whether you want the flexibility to upgrade as charging standards change.
Workplace Charging Scheme and UK government grants
The Workplace Charging Scheme (WCS) is a government-backed voucher programme that helps UK businesses reduce the cost of installing EV charge points. Eligible businesses can claim up to £350 per socket, with a maximum of 40 sockets across all sites.
The scheme is open to businesses, charities, and public sector organisations that have dedicated off-street parking. You must apply before installation begins and use an OZEV-approved installer.
Grants can be combined with asset finance. A business might use the WCS voucher to lower the upfront equipment cost and then finance the remaining balance through a lease or hire purchase agreement. This keeps monthly payments lower while still accessing quality hardware.
Additional incentives may be available through local authorities or energy providers, so it is worth checking what applies in your region before committing to a provider.
What to compare when selecting an EV charging solutions provider
Not all EV charging providers offer the same level of service. Businesses installing charging infrastructure should evaluate several factors before signing an agreement.
First, check that the provider uses OZEV-approved hardware and installers. This is essential if you plan to claim the Workplace Charging Scheme grant. Next, look at aftercare and maintenance packages. Downtime on a charge point can frustrate staff, customers, or fleet drivers, so responsive support matters.
Scalability is also important. Choose a provider whose hardware and software can grow with your needs, whether you start with two sockets or plan to roll out across multiple locations.
Finally, ask whether the provider offers in-house finance or works with third-party funders. A provider that understands both the technology and the funding options can help you build a complete package that suits your budget.
FAQs
Asset finance allows your business to spread the cost of EV charging equipment and installation over a fixed period, rather than paying the full amount upfront. The lender purchases the charging assets on your behalf and you repay them in monthly instalments, typically over two to seven years. At the end of the agreement, ownership usually transfers to your business, making it a practical way to acquire essential infrastructure while preserving working capital.
Most UK businesses that have been trading for at least twelve months and have a reasonable credit history can apply for asset finance to fund EV charging installations. Lenders will typically look at your turnover, profitability, and existing financial commitments. Startups and newer businesses may still qualify but might need to provide additional security or accept different terms. Commercial property owners, fleet operators, and SMEs across most sectors are generally eligible.
Rates and terms vary depending on the lender, the size of the project, your business credit profile, and the type of finance chosen. Asset finance agreements for EV charging infrastructure commonly run between two and seven years, with interest rates reflecting current market conditions and your business's financial standing. It is always worth comparing quotes from multiple lenders, as terms can differ significantly between providers.
Asset finance is secured against the charging equipment itself, which often means lower interest rates and more flexible terms compared to an unsecured business loan. With unsecured lending, you do not need to offer the equipment as collateral, but rates tend to be higher and maximum loan amounts may be smaller. A term loan offers a lump sum repaid over a set period, which can work well if you prefer a straightforward borrowing structure without tying the finance to specific assets.
Key factors include the provider's experience with commercial installations, the quality and warranty of their hardware, ongoing maintenance and support packages, and whether they offer scalable solutions that can grow with your fleet or business needs. Check for OZEV or other industry accreditations, read reviews from similar businesses, and confirm that the provider can integrate with your existing energy infrastructure and any future renewable energy plans.
A term loan provides your business with a lump sum that you repay in fixed monthly instalments over an agreed period, usually between one and ten years. Unlike asset finance, the loan is not directly tied to the charging equipment, giving you flexibility in how you use the funds. Interest rates may be fixed or variable, and the lender assesses your business's overall financial health rather than the value of the assets being purchased.
